Five programs, one promise: transparent terms in 24 hours, and a lender who performs at the closing table. The rates and leverage below are representative ranges. Every deal is priced on its own merits.
Classic hard money lending, done right: acquisition and renovation capital for value-add residential projects. We fund the purchase and the budget, then release draws on your schedule. Inspected fast, wired faster. Your rehab shouldn't stall waiting on your lender.
Request Fix & Flip Terms| Representative Terms | |
|---|---|
| Loan Amount | $100K – $3M |
| Leverage | Deal specific, quoted on your term sheet |
| Term | 6 – 18 months, interest-only |
| Pricing | Quoted per deal on your term sheet |
| Time to Close | As few as 7 days |
| Prepayment Penalty | None |
Speed is the product. A hard money bridge lets you win the deal with a cash-equivalent close, pull equity from an existing asset, or bridge to permanent financing without surrendering the opportunity. When the seller wants certainty, a Tann term sheet is your edge.
Request Bridge Terms| Representative Terms | |
|---|---|
| Loan Amount | $150K – $5M |
| Leverage | Up to 75% LTV |
| Term | 6 – 24 months, interest-only |
| Pricing | Quoted per deal on your term sheet |
| Time to Close | As few as 7 days |
| Property Types | Residential & small-balance commercial |
Ground-up financing for experienced builders. Land, vertical, and soft costs in one facility. We underwrite the builder as much as the building, and we structure draws around how construction actually happens, not how a manual says it should.
Request Construction Terms| Representative Terms | |
|---|---|
| Loan Amount | From $250K, sized to the project |
| Leverage | Deal specific, quoted on your term sheet |
| Term | 12 – 24 months, interest-only |
| Pricing | Quoted per deal on your term sheet |
| Experience | Prior comparable builds required |
| Draws | Inspections in 48 hours, funds in 24 |
Long-term financing that qualifies on the property's cash flow, not your W-2 and not two years of tax returns. Built for investors scaling a portfolio, with 30-year terms and no limit on the number of financed properties.
Request DSCR Terms| Representative Terms | |
|---|---|
| Loan Amount | $100K – $2.5M |
| Leverage | Up to 80% LTV purchase / 75% cash-out |
| Term | 30-year fixed, ARM, or interest-only |
| Pricing | Quoted per deal on your term sheet |
| Qualification | DSCR ≥ 1.0; no personal income docs |
| Property Types | SFR, 2–4 unit, condo, townhome, portfolios |
Purchase, refinance, and cash-out financing for multifamily (5+ units), warehouse and industrial, retail, and mixed-use properties. The same common sense underwriting as our residential programs. We look at the asset, the plan, and the exit, not just the boxes a bank would check.
Request Commercial Terms| Representative Terms | |
|---|---|
| Loan Amount | From $250K, sized to the asset |
| Purpose | Purchase, refinance, cash-out |
| Term | 6 months – 30 years |
| Pricing | Quoted per deal on your term sheet |
| Borrowers | Individuals & entities; personal guarantees required |
| Property Types | Multifamily 5+, warehouse, retail, mixed-use |
Property, price, budget, exit. Five minutes online or one phone call with a principal.
Complete term sheet within 24 hours, with rate, points, leverage, and timeline in writing.
Valuation, title, and entity docs processed in parallel. We drive the timeline, not the other way around.
Wire at closing, draws on demand, and direct access to your loan manager through payoff.
Both. Our private money loans are funded by Tann Capital Group and our private capital partners; our hard money programs are funded through established institutional relationships. Either way you get the same thing: asset-based underwriting, one point of contact, and a loan built for speed. Whatever your broker calls it, we close it.
For bridge and fix & flip loans with clear title, as few as 7 business days from executed term sheet. The honest variable is usually title and payoff demands, not us, and we push those daily. Construction and DSCR loans typically run 2–3 weeks.
We review credit as a character reference, not a gate. The asset and your plan carry the underwriting. DSCR loans qualify on property cash flow. No tax returns, no W-2s, no explaining that deposit from 2023.
Your term sheet states the rate, origination points, and every fee before you commit: underwriting, legal, draws, and extensions. If a cost isn't on the term sheet, you don't pay it. Private capital costs more than a bank; it also closes, which a bank quote that dies in committee does not.
Experience improves leverage and pricing, but first-time investors with a strong deal, real skin in the game, and a credible team get funded here. Ground-up construction is the exception. We require comparable completed builds.
Non-owner-occupied residential and commercial real estate held for investment, from single-family rehabs to multifamily, warehouse, retail, and mixed-use assets. We lend in 48 states, every state except North Dakota and South Dakota, from our base in South Florida.
No obligation and no credit pull to see your numbers. Just a straight answer from a principal.
Request Terms Now